Renovation loan

Renovation loan

Super sharp rate

Take out your loan now at an extra sharp 2.70%* instead of 3.95%!

No handling fees or registration duty

You don't need a mortgage, so you save on extra legal fees.

Apply online

If you like our offer, you can apply for the loan immediately after running your simulation, even if you don't have a KBC Current Account.

Why go for a renovation loan?

If you're planning home improvements or renovations, a KBC Renovation Loan is the ideal solution. You borrow at an attractive rate which is fixed, so you repay the same amount each month. If you already have a mortgage loan, there are even more ways to get financing for your plans. Come in and talk to us today about what we can do for you.

Green energy loan

You can take out a green energy loan if at least half of your home improvements are for energy-efficiency purposes. 

No handling fees or registration duty

A renovation loan doesn't involve taking out a mortgage, sparing you a trip to a notary-public and saving you money on what can be substantial extra costs.

All you need is proof of investment like a

  • signed invoice or
  • contractor/seller quote

Choose the right term

The best term for you will depend on how much you want to borrow and how much you can spare each month. The longer the term, the less you'll have to repay each month and the easier it will be to pay off your loan. The shorter the term of your loan, the more you'll have to repay each month but you'll pay it off sooner and consequently pay less interest. At KBC, the choice is in your hands. 

There are a few legal limits that apply to the term of a loan: these are automatically built into the car loan calculator. 

Amount borrowed
Maximum term
up to 2,500 euros 24 months
up to 3,700 euros 30 months
up to 5,600 euros 36 months
up to 7,500 euros 42 months
up to 10,000 euros 48 months
up to 15,000 euros 60 months
up to 50,000 euros 72 months

Disbursement of your renovation loan

We will disburse your renovation loan

  • once we have received the signed documents and proof of investment from you
  • onto a specified account or joint account in your name

When do you start paying off your loan?

You start making your loan repayments one month after your renovation loan is paid to you. All subsequent monthly repayments will take place on the same day of the month as the initial repayment.


So, if for example your loan is made available on 25 March, then your loan repayments start on 25 April, with remaining repayments scheduled for the 25th of every month.

Repayment account

You pay off your loan via a KBC Current Account or the contract number of your loan (i.e. an account into which you can pay the relevant amounts).

Track your loan status using KBC Touch

KBC Touch lets you track

  • what you pay for your loan every month
  • how much you have left to pay off
  • when your next repayment is due
  • how long your loan still has to go

Not just for KBC clients

You don't need to have a current account with us to apply for a loan. To work out and apply for an instalment loan, simply go to our website. However, if you're already with us, calculate your personal rate in KBC Touch or in KBC Mobile.

Instalment loan details

* Representative example: for an instalment loan of 10,500 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 2.70% , you pay 60 instalments of 187.12 euros per month or 11,227.33 euros in total. Rate applies on 03-05-2017 for terms of up to 60 months, for an instalment loan used to finance regular or energy-saving renovations.

Attention, borrowing money also costs money

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